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E46 (1999 - 2006)
The fourth generation 3 Series (E46 chassis) was introduced in 1999 and set the standard for engineering and performance during it's years of production including being named to Car & Driver's 10 best list every one of those years! ! -- View the E46 Wiki

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  #1  
Old 06-18-2017, 12:47 PM
tamas.suh tamas.suh is offline
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Which car is cheaper to insure? (E46 / E36)

Hey
I'm 17, and really looking to buy a BMW from Germany, my budget is ~2500 Euro.
I barely make more than $100 per month from some little business, so I'm confused which model should I choose.(My parents could pay the gasoline, so my money is only for the maintence)
My dad has a 525xi e60, since that, I really like the BMW's, even if I gotta spend all my money on it, I don't have to finance my life yet.
I was looking from 316-s to 325-s, and I'd prefer E46(preferably automatic) No diesel, as I heard those cost more when its about the service.
So, what are your opinions? Which has the less problems, and easiest to upkeep?
Thanks in advance!

Last edited by tamas.suh; 06-18-2017 at 12:49 PM.
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  #2  
Old 06-18-2017, 01:47 PM
pack horse pack horse is offline
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$100 per month = no BMW.
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Old 06-18-2017, 03:26 PM
FredoinSF FredoinSF is offline
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Agree with the above, $100 a month means bus pass.

As far as which is cheaper on insurance, likely the older car. Not sure what insurance rates are in Hungary but here in US (this is mostly a US based forum) you'd spend most of that $100 on insurance, although it would vary based on location / coverage / driving record. The problem is all these cars are old and the ones on a show string budget will need work. You and / or Dad are would need to be handy with wrenches.
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Old 06-18-2017, 03:42 PM
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All2kool All2kool is offline
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Here in the US, a teenager would be hard pressed to find minimal coverage insurance for a Yugo for less than $100 a week.
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Old 06-18-2017, 03:48 PM
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Fast Bob Fast Bob is offline
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There are several factors involved with insuring any car:
Liability: Your age, driving record, and location all play a part here....

The vehicle being insured: Is it just liability insurance, or more comprehensive ? (i. e., Fire, Theft, etc.) Any vehicle being financed must have comprehensive coverage.

Age of the car is not as relevant as the cost of the parts to repair it....
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Old 06-18-2017, 07:05 PM
alpinweiss alpinweiss is offline
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I have a preference for the E46 body style over the E36. Some of the shortcomings of the E36 were solved in the E46 (and some were not). The E46 has a very nice body style.

In any case, keeping a BMW on $100 per month will be difficult (as stated by some of the above posts).

If you are still up for the challenge, perhaps an E46 318i with manual transmission would be the best choice (a 316i would be similar, but with less power). These have 4-cylinder engines, which would cost a bit less, in terms of maintenance and insurance. The 6-cylinder cars, such as 320i, 323i, 325i, and so forth, will probably be more expensive to maintain and insure. Avoid automatic transmissions, if possible.

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Last edited by alpinweiss; 06-18-2017 at 07:07 PM.
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Old 06-18-2017, 08:08 PM
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If available in your area, you might want to look for an E46 318ti, with a manual trans. Being a bit shorter, they are also a couple hundred pounds lighter than a full-sized sedan, which will help make up for some of that 4-cylinder`s power deficiency (compared to the 6-cylinder version).
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Old 06-19-2017, 03:43 AM
tamas.suh tamas.suh is offline
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Thanks for the replies.
Here, in Hungary its much much cheaper, than in the US. I read in the official service station(if its called like that) it's like a hundred buck per hour, its like $10-20 per hour here afaik. Same for the new/used parts, its much cheaper.
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Old 06-19-2017, 07:02 AM
lincolnshibuya lincolnshibuya is offline
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you should probably ask an insurance agent instead of people here in the forum, they will give you an estimate on how much your monthly will be and you could ask for ideas on how to reduce your rates. I keep older high mileage cars and they all have liability only which is around $20 a month, the higher the # cylinders (v8) it will be an additional $4. I also added in $1 roadside service every month for each car. Age of the car doesn't seem to matter in liability only coverage since it's just the minimum to be street legal.



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Old 06-19-2017, 01:20 PM
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I agree with the checking local for that info. Even in the united states the insurance rates vary a bunch. Any info we have on rates would be completely different than the rates for where you are.
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